{"id":11520,"date":"2026-10-23T15:46:45","date_gmt":"2026-10-23T13:46:45","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11520"},"modified":"2026-10-23T16:15:07","modified_gmt":"2026-10-23T14:15:07","slug":"sporit-alebo-investovat-ako-50-eur-mesacne-premenit-na-28-tisic-eur","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/sporit-alebo-investovat-ako-50-eur-mesacne-premenit-na-28-tisic-eur\/","title":{"rendered":"Spori\u0165 alebo investova\u0165? Ako 50 eur mesa\u010dne premeni\u0165 na 28 tis\u00edc eur"},"content":{"rendered":"\n<p><strong>Odklada\u0165 si peniaze bokom je v\u00fdborn\u00fd zvyk, no rovnako d\u00f4le\u017eit\u00e9 je vedie\u0165, kam ich uklad\u00e1te. Sporiaci \u00fa\u010det, term\u00ednovan\u00fd vklad, podielov\u00e9 fondy, ETF aj investi\u010dn\u00e9 zlato maj\u00fa svoje \u0161pecifick\u00e9 vyu\u017eitie v konkr\u00e9tnych \u017eivotn\u00fdch situ\u00e1ci\u00e1ch. Ot\u00e1zka, \u010di spori\u0165 alebo investova\u0165 a ak\u00fdm sp\u00f4sobom, preto nem\u00e1 jedin\u00fa univerz\u00e1lnu odpove\u010f. Rozhoduje najm\u00e4 to, kedy budete peniaze potrebova\u0165 a ak\u00e9 riziko dok\u00e1\u017eete akceptova\u0165.<\/strong><\/p>\n\n\n\n<p>Slov\u00e1ci dr\u017eia na be\u017en\u00fdch \u00fa\u010dtoch miliardy eur, z ktor\u00fdch im infl\u00e1cia ka\u017ed\u00fd rok ukrajuje. Kto neinvestuje, prich\u00e1dza o peniaze. Ako a kedy za\u010da\u0165 s investovan\u00edm? Z praxe viem, \u017ee najd\u00f4le\u017eitej\u0161ie je ne\u010daka\u0165 na spr\u00e1vny okamih alebo na to, kedy budete ma\u0165 dostatok vo\u013en\u00fdch prostriedkov. Nie je d\u00f4le\u017eit\u00e9 za\u010da\u0165 investova\u0165 s vysokou sumou, ale jednoducho za\u010da\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Takmer \u0161tvrtina dom\u00e1cnost\u00ed by v\u00fdpadok pr\u00edjmu nezvl\u00e1dla ani tri mesiace<\/h2>\n\n\n\n<p>Z n\u00e1\u0161ho posledn\u00e9ho online prieskumu medzi klientmi FinGO.sk vypl\u00fdva, \u017ee 25\u00a0% dom\u00e1cnost\u00ed by v\u00fdpadok pr\u00edjmu zvl\u00e1dlo menej ako tri mesiace alebo v\u00f4bec. Na druhej strane 39\u00a0% m\u00e1 odlo\u017een\u00e9 na viac ako \u0161es\u0165 mesiacov a \u010fal\u0161\u00edch 33\u00a0% na tri a\u017e \u0161es\u0165 mesiacov.<\/p>\n\n\n\n<p>Keby sa ich finan\u010dn\u00e1 situ\u00e1cia zhor\u0161ila, 82&nbsp;% \u013eud\u00ed by obmedzilo v\u00fddavky a 42&nbsp;% by siahlo na \u00faspory.<\/p>\n\n\n\n<p>\u0160tyria z desiatich \u013eud\u00ed by teda v \u0165a\u017e\u0161om obdob\u00ed siahli na odlo\u017een\u00e9 peniaze. Je to pochopite\u013en\u00e1 reakcia, no funguje len vtedy, ke\u010f je na \u010do siahnu\u0165. Kto m\u00e1 peniaze ulo\u017een\u00e9 v invest\u00edcii, mus\u00ed ju v takej chv\u00edli preda\u0165, a to \u010dasto v tom najmenej vhodnom \u010dase. Preto by vytvorenie dostato\u010dnej finan\u010dnej rezervy malo by\u0165 prv\u00fdm krokom, ne\u017e sa do investovania v\u00f4bec pust\u00edme. A\u017e ke\u010f m\u00e1te odlo\u017een\u00e9 peniaze, ktor\u00e9 v\u00e1m pokryj\u00fa be\u017en\u00e9 v\u00fddavky na tri a\u017e \u0161es\u0165 mesiacov, m\u00f4\u017eete za\u010da\u0165 prem\u00fd\u0161\u013ea\u0165 nad t\u00fdm, kam investova\u0165.<\/p>\n\n\n\n<p><strong><em>Rezervu aj investovanie m\u00f4\u017eete rozbehn\u00fa\u0165 u\u017e od prvej v\u00fdplaty.<\/em><\/strong> <a href=\"https:\/\/www.fingo.sk\/blog\/ako-zacat-investovat-uz-od-prvej-vyplaty\/\"><strong><em>Pre\u010d\u00edtajte si, ako na to<\/em><\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pri 50 eur\u00e1ch mesa\u010dne je najd\u00f4le\u017eitej\u0161ia d\u013a\u017eka investovania<\/h2>\n\n\n\n<p>Star\u00e1 investi\u010dn\u00e1 pou\u010dka hovor\u00ed, \u017ee d\u00f4le\u017eitej\u0161ie ne\u017e na\u010dasova\u0165 vstup na trh je, ako dlho na \u0148om vydr\u017e\u00edte. Modelov\u00fd pr\u00edklad ukazuje, pre\u010do je pri investovan\u00ed tak\u00fd d\u00f4le\u017eit\u00fd dlh\u00fd \u010dasov\u00fd horizont. Pri pravidelnej invest\u00edcii 50 eur mesa\u010dne a priemernom v\u00fdnose 8\u00a0% ro\u010dne to vych\u00e1dza takto:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"427\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Ako-porastie-investicia-pri-pravidelnom-vklade-50-eur-mesacne.png\" alt=\"\" class=\"wp-image-11521\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Ako-porastie-investicia-pri-pravidelnom-vklade-50-eur-mesacne.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Ako-porastie-investicia-pri-pravidelnom-vklade-50-eur-mesacne-300x125.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Ako-porastie-investicia-pri-pravidelnom-vklade-50-eur-mesacne-768x320.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Najdrah\u0161ie na investovan\u00ed preto nie s\u00fa poplatky, ale straten\u00e9 roky. Po 20 rokoch by ste mohli ma\u0165 28\u00a0450 eur, hoci zo svojho by ste vlo\u017eili len 12\u00a0000 eur. Keby ste za\u010dali o p\u00e4\u0165 rokov nesk\u00f4r, vlo\u017eili by ste s\u00edce o 3\u00a0000 eur menej, no celkov\u00e1 hodnota invest\u00edcie by bola ni\u017e\u0161ia a\u017e o 11\u00a0570 eur.<\/p>\n\n\n\n<p>Prejavuje sa tu princ\u00edp zlo\u017een\u00e9ho \u00faro\u010denia. Zisk, ktor\u00fd invest\u00edcia vytvor\u00ed, m\u00f4\u017ee s\u00e1m zar\u00e1ba\u0165 \u010falej. Pri dlh\u0161om horizonte tak nerozhoduje len to, ko\u013eko pravidelne odklad\u00e1te, ale aj to, ako dlho nech\u00e1te svoje peniaze pracova\u0165.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Ne\u010dakajte na ide\u00e1lny okamih ani na vy\u0161\u0161iu v\u00fdplatu. Aj mal\u00e1 suma, ktor\u00fa investujete pravidelne, m\u00e1 \u010das nar\u00e1s\u0165. Ka\u017ed\u00fd rok odkladu je rok, po\u010das ktor\u00e9ho va\u0161e peniaze nepracuj\u00fa.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" class=\"wp-image-7080\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Spori\u0165 alebo investova\u0165?<\/h2>\n\n\n\n<p>Nejde o to investova\u0165 za ka\u017ed\u00fa cenu ani h\u013eada\u0165 rie\u0161enie s najvy\u0161\u0161\u00edm mo\u017en\u00fdm v\u00fdnosom. Ove\u013ea d\u00f4le\u017eitej\u0161ie je ma\u0165 pl\u00e1n. Ke\u010f viete, ko\u013eko potrebujete ako rezervu, ak\u00fd m\u00e1te cie\u013e a dokedy ho chcete splni\u0165, podstatne \u013eah\u0161ie si vyberiete, ako svoje peniaze rozdeli\u0165.<\/p>\n\n\n\n<p>Neexistuje dobr\u00fd a zl\u00fd produkt, len vhodn\u00fd a nevhodn\u00fd produkt na dan\u00fd \u00fa\u010del. Probl\u00e9m je, ke\u010f si niekto odlo\u017e\u00ed peniaze na dvadsa\u0165 rokov na be\u017en\u00fd \u010di sporiaci \u00fa\u010det, alebo naopak dr\u017e\u00ed n\u00fadzov\u00fa rezervu v investi\u010dn\u00fdch fondoch, ktor\u00fdch hodnota m\u00f4\u017ee kol\u00edsa\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preh\u013ead mo\u017enost\u00ed: od sporiaceho \u00fa\u010dtu po akcie \u010di zlato<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Sporiaci \u00fa\u010det<\/h3>\n\n\n\n<p>Na <a href=\"https:\/\/www.fingo.sk\/sporenie\">sporiaci \u00fa\u010det<\/a> patr\u00ed rezerva a peniaze, ktor\u00e9 m\u00f4\u017eete \u010doskoro potrebova\u0165. M\u00e1te ich kedyko\u013evek po ruke a riziko je minim\u00e1lne.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Term\u00ednovan\u00fd vklad<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/terminovany-vklad\">Term\u00ednovan\u00fd vklad<\/a> je vhodn\u00fd na peniaze, o ktor\u00fdch viete, \u017ee ich ist\u00fd \u010das nebudete potrebova\u0165. V\u00fdmenou za to, \u017ee na ne nesiahnete, dopredu viete, ak\u00fd v\u00fdnos dosiahnete.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Podielov\u00e9 fondy a ETF<\/h3>\n\n\n\n<p>Cez <a href=\"https:\/\/www.fingo.sk\/investovanie\">podielov\u00e9 fondy a ETF<\/a> investujete jedn\u00fdm vkladom do mno\u017estva firiem \u010di dlhopisov naraz. Pri dlhom horizonte to m\u00f4\u017ee by\u0165 cesta k v\u00e4\u010d\u0161iemu majetku. Pozor, ich hodnota kol\u00ed\u0161e. Pri ETF je v\u00fdhodou, \u017ee ak v nich m\u00e1te peniaze investovan\u00e9 dlh\u0161ie ako jeden rok, dosiahnut\u00fd zisk je osloboden\u00fd od dane z v\u00fdnosu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Akcie<\/h3>\n\n\n\n<p>Kupujete podiel v konkr\u00e9tnej firme. Zarobi\u0165 m\u00f4\u017eete viac, cena sa v\u0161ak m\u00f4\u017ee aj prepadn\u00fa\u0165. Investovanie do akci\u00ed sa pova\u017euje za vysoko rizikov\u00e9 a vy\u017eaduje si odborn\u00e9 znalosti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlhopisy<\/h3>\n\n\n\n<p>Po\u017ei\u010diavate peniaze firm\u00e1m alebo \u0161t\u00e1tom a tie v\u00e1m ich maj\u00fa vr\u00e1ti\u0165 aj s \u00farokom. \u010ci ich naozaj vr\u00e1tia, z\u00e1vis\u00ed od toho, ako sa im dar\u00ed. Ani dlhopis preto nie je automaticky bezpe\u010dn\u00fd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Investi\u010dn\u00e9 zlato<\/h3>\n\n\n\n<p>Zlato nerastie ako firma, no v neist\u00fdch \u010dasoch si dr\u017e\u00ed hodnotu a je dobrou ochranou proti infl\u00e1cii. Pri n\u00e1kupe rozhoduj\u00fa poplatky, ale aj to, \u010di v\u00e1m ho predajca nesk\u00f4r aj odk\u00fapi.<\/p>\n\n\n\n<p><strong><em>Zva\u017eujete investi\u010dn\u00e9 zlato?<\/em><\/strong> <a href=\"https:\/\/www.fingo.sk\/blog\/investicne-zlato-na-co-si-dat-pozor-a-ako-nastavit-spravnu-strategiu\/\"><strong><em>Pozrite sa, na \u010do si da\u0165 pozor a ako nastavi\u0165 strat\u00e9giu<\/em><\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6 vec\u00ed, ktor\u00e9 si treba premyslie\u0165 sk\u00f4r, ne\u017e za\u010dnete investova\u0165<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Za\u010dnite rezervou, nie v\u00fdberom fondu<\/h3>\n\n\n\n<p>Odlo\u017ete si tri a\u017e \u0161es\u0165 mesa\u010dn\u00fdch v\u00fddavkov na sporiaci \u00fa\u010det, kde ich budete ma\u0165 kedyko\u013evek po ruke. Bez vytvorenej rezervy hroz\u00ed, \u017ee pri prvom ne\u010dakanom v\u00fddavku budete musie\u0165 invest\u00edciu pred\u00e1va\u0165 v nevhodnom \u010dase.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Ujasnite si, kedy budete peniaze potrebova\u0165<\/h3>\n\n\n\n<p>Investi\u010dn\u00fd horizont je pri rozhodovan\u00ed o konkr\u00e9tnom investi\u010dnom produkte \u00faplne k\u013e\u00fa\u010dov\u00fd. In\u00e9 rie\u0161enie sa hod\u00ed na rok a in\u00e9 na dvadsa\u0165 rokov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Nastavte si trval\u00fd pr\u00edkaz hne\u010f po v\u00fdplate<\/h3>\n\n\n\n<p>Najlep\u0161ou cestou je automatick\u00e1 platba, v\u010faka ktorej investujete pravidelne. Peniaze v\u00e1m tak od\u00eddu sk\u00f4r, ne\u017e ich stihnete min\u00fa\u0165 na be\u017en\u00fa spotrebu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Zvy\u0161ujte sumu spolu s pr\u00edjmom<\/h3>\n\n\n\n<p>Ke\u010f v\u00e1m porastie plat, zv\u00fd\u0161te aj sumu trval\u00e9ho pr\u00edkazu. Je to najjednoduch\u0161\u00ed sp\u00f4sob, ako investova\u0165 viac bez toho, aby ste si museli nie\u010do odopiera\u0165.<\/p>\n\n\n\n<p><strong><em>Ste v investovan\u00ed nov\u00e1\u010dik?<\/em><\/strong> <a href=\"https:\/\/www.fingo.sk\/blog\/investicne-fondy-pre-zaciatocnikov-jednoduchy-navod-ako-zacat-investovat\/\"><strong><em>M\u00e1me pre v\u00e1s jednoduch\u00fd n\u00e1vod, ako za\u010da\u0165 s fondmi<\/em><\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. P\u00fdtajte sa na celkov\u00e9 n\u00e1klady, nielen na vstupn\u00fd poplatok<\/h3>\n\n\n\n<p>Pri dlhom horizonte sa aj mal\u00fd rozdiel v ro\u010dn\u00fdch n\u00e1kladoch v\u00fdrazne prejav\u00ed na v\u00fdsledku.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Po\u010d\u00edtajte s poklesmi<\/h3>\n\n\n\n<p>Hodnota invest\u00edci\u00ed kol\u00ed\u0161e a obdobia poklesu k dlhodob\u00e9mu investovaniu jednoducho patria. Pr\u00e1ve vtedy sa uk\u00e1\u017ee, \u010di ste si horizont nastavili realisticky.<\/p>\n\n\n\n<p>Ak si nie ste ist\u00ed, ako si vytvori\u0165 rezervu a nastavi\u0165 invest\u00edcie, na\u0161i <a href=\"https:\/\/www.fingo.sk\/kontakty\">\u0161pecialisti z FinGO.sk<\/a> v\u00e1m pom\u00f4\u017eu vytvori\u0165 vhodn\u00fd pl\u00e1n pod\u013ea va\u0161ich cie\u013eov a \u010dasov\u00e9ho horizontu.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe> \n","protected":false},"excerpt":{"rendered":"<p>Odklada\u0165 si peniaze bokom je v\u00fdborn\u00fd zvyk, no rovnako d\u00f4le\u017eit\u00e9 je vedie\u0165, kam ich uklad\u00e1te. Sporiaci \u00fa\u010det, term\u00ednovan\u00fd vklad, podielov\u00e9 fondy, ETF aj investi\u010dn\u00e9 zlato maj\u00fa svoje \u0161pecifick\u00e9 vyu\u017eitie v konkr\u00e9tnych \u017eivotn\u00fdch situ\u00e1ci\u00e1ch. Ot\u00e1zka, \u010di spori\u0165 alebo investova\u0165 a ak\u00fdm sp\u00f4sobom, preto nem\u00e1 jedin\u00fa univerz\u00e1lnu odpove\u010f. Rozhoduje najm\u00e4 to, kedy budete peniaze potrebova\u0165 a ak\u00e9 riziko dok\u00e1\u017eete akceptova\u0165. Slov\u00e1ci dr\u017eia na be\u017en\u00fdch \u00fa\u010dtoch miliardy eur, z ktor\u00fdch im infl\u00e1cia ka\u017ed\u00fd rok ukrajuje. Kto neinvestuje, prich\u00e1dza o peniaze. Ako a kedy za\u010da\u0165 s investovan\u00edm? Z praxe viem, \u017ee najd\u00f4le\u017eitej\u0161ie je ne\u010daka\u0165 na spr\u00e1vny okamih alebo na to, kedy budete ma\u0165 dostatok vo\u013en\u00fdch prostriedkov. Nie je d\u00f4le\u017eit\u00e9 za\u010da\u0165 investova\u0165 s vysokou sumou, ale jednoducho za\u010da\u0165. Takmer \u0161tvrtina dom\u00e1cnost\u00ed by v\u00fdpadok pr\u00edjmu nezvl\u00e1dla ani tri mesiace Z n\u00e1\u0161ho posledn\u00e9ho online prieskumu medzi klientmi FinGO.sk vypl\u00fdva, \u017ee 25\u00a0% dom\u00e1cnost\u00ed by v\u00fdpadok pr\u00edjmu zvl\u00e1dlo menej ako tri mesiace alebo v\u00f4bec. Na druhej strane 39\u00a0% m\u00e1 odlo\u017een\u00e9 na viac ako \u0161es\u0165 mesiacov a \u010fal\u0161\u00edch 33\u00a0% na tri a\u017e \u0161es\u0165 mesiacov. Keby sa ich finan\u010dn\u00e1 situ\u00e1cia zhor\u0161ila, 82&nbsp;% \u013eud\u00ed by obmedzilo v\u00fddavky a 42&nbsp;% by siahlo na \u00faspory. \u0160tyria z desiatich \u013eud\u00ed by teda v \u0165a\u017e\u0161om obdob\u00ed siahli na odlo\u017een\u00e9 peniaze. Je to pochopite\u013en\u00e1 reakcia, no funguje [&hellip;]<\/p>\n","protected":false},"author":57,"featured_media":11524,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[47,52,50],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako 50 eur mesa\u010dne premeni\u0165 na 28 tis\u00edc eur<\/title>\n<meta name=\"description\" content=\"Spori\u0165 alebo investova\u0165? Rezerva patr\u00ed na sporiaci \u00fa\u010det, dlhodob\u00e9 ciele do invest\u00edci\u00ed. 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